There's no one-size-fits-all approach to retirement, and no single path to get there. Americans are living longer and financial security through retirement is a big challenge for many.

Older workers who start saving late may find it hard to catch up. And changes to the way we work, sparked by the gig economy, mean more workers have less access to employer-sponsored contribution plans. As the way we live and work continues to change, the ways we help people save for retirement need to change too.

The U.S. Congress passed modern retirement security legislation – dubbed SECURE 2.0 – to increase availability, accessibility, and affordability of retirement security products for all.